Commercial
Many companies are often too busy to properly assess whether their commercial insurance is ideally suited to their needs. In some cases, a rush to attain cover may have resulted in a business settling for an “off the shelf” policy, which may suffice. In other circumstances, however, a more in-depth review of your business and a tailored insurance package may be required. As a trusted and truly client focused broker, Garratts Insurance Brokers will ensure that your policy fits the bill.
Essentially, commercial insurance covers the assets, earnings and legal liabilities of your company. How these manifest themselves will entirely depend on the nature of your business.
In the case of small companies, the vast majority conduct their business from either shop- or office-based premises. For medium to large companies, other factors may come into play such as product liability, and specific cover for machinery and plant. Business interruption, resulting from a fire other cause, may result in the shut down of your business for a temporary period. During this time we can offer you cover for loss of profit and to cover ongoing costs such as wages or salaries.
At Garratts Insurance Brokers we also arrange Bonds & Sureties, as well as Professional Indemnity cover: click for further details.
Retail Insurance
If you run a retail business, be it an independent corner shop, florist or a franchised store, you need cover for the likes of employers' and public liability, contents and business interruption. In addition, you may require optional additional cover. For example, if you also own your building you can extend your cover to include rebuild costs, all risks cover and protection against subsidence, ground heave or landslips.
You may also wish to cover against theft, fraud or dishonesty committed by employees or commercial legal protection to cover you against legal costs, should they arise. In these uncertain times, optional cover against Acts of Terrorism may also be a consideration for you.
Office Insurance
We offer specially designed policies to meet the needs of all types of office-based businesses, from accountants and solicitors to estate agents and surgeries.
Our office insurance policies are designed to cover a range of risks including employers and public liability, contents and business interruption. Every office has different insurance needs, however, and we can offer “optional extras” such as cover for computer breakdown.
Pub/Restaurant/Hotel Insurance
Specialist cover is available for both licensed and non-licensed establishments, providing standard cover as well as optional, additional cover for specific circumstances. Of particular relevance is cover for the loss of a liquor license.
Engineering/Manufacturing Insurance
Insurance for engineering and manufacturing companies is often more complex than for other commercial sectors because the business is often exposed to a greater range of risks.
As well as covering the likes of public and product liability and business interruption, our tailored policies cover trade contents, machinery, plant and stock.
Motor Trade Insurance
We offer specialist cover for anything from a main dealer showroom to a repair garage. Our policies cover the likes of material damage, motor vehicle road risk, loss of MOT license, as well as public and product liability. We can also offer additional features to your policy such as “new for old” replacement policy on vehicles less than 12 months old.
Tradesman Insurance
At Garratts Insurance Brokers we cater for the tradesman market and offer policies geared towards those people whose work is primarily undertaken away from their own premises and instead on the premises of residential and/or commercial customers. Our tradesman insurance policies cover the legal liabilities of your business and certain items of tools, plant and materials.
If you have an queries regarding commercial insurance or require further information or advice please call us TODAY on 01772 55 55 76.